CATASTROPHIC PLAN

MAJOR PLAN BENEFIT

Our Catastrophic plan are ideal for the person who are healthy and under 30. This plan has the lowest monthly premiums, but high deductibles should you ever become sick or injured.

HEALTH PERKS

PREVENTIVE CARE Even if you haven’t met your yearly deductible, you can still get the free, in-network preventive care recommended under the Affordable Care Act. Preventive care includes certain screenings, vaccines, and annual physicals when performed by an in-network provider.

CGHC DOCTOR LINE The CGHC Doctor Line, powered by Teladoc, Inc is a new service that allows you to receive treatment from a Board Certified, licensed physician via video, mobile application, or telephone. The first three consultations are free for most CGHC members except for those in a Health Savings Account (HSA) compatible plan, due to federal HSA rules. If you have satisfied your three visits, or you are in an HSA plan, you will pay $40 or your PCP co-pay, whichever is less. Learn more about the CGHC Doctor Line!

COVERAGE FROM ANY PHARMACY This plan does not limit you to certain in-network pharmacy providers.

EMERGENCY CARE, ANYWHERE, IS IN-NETWORK Services that meet the definition of emergency are covered as in network even when care is delivered in a non-network ER.

GET THE MOST FROM YOUR PLAN

Most of your healthcare costs are paid after you hit your deductible of $6,850 (more for families and out-of-network providers). Once you’ve met your deductible during the plan year, CGHC will cover 100% of your in-network qualified medical bills for the rest of the year.

PLAN FACTS

YOU WILL PAY

After your deductible is met, you will pay nothing for care as long as you stay in network. First three primary care visits covered at 100%.

IN-NETWORK DEDUCTIBLE

Single – $6,850Family – $13,700

OUT-OF-POCKET MAX.

Single – $6,850Family – $13,700 (In-Network)

CO-INSURANCE

$0 for in-network care30% of charges for out-of-network care

PRESCRIPTION DRUGS

You will pay the discounted price of covered medications until your deductible is met, then you will pay nothing for your covered medications.

Common Ground Healthcare Cooperative does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.